if people are deciding to use their credit card or use their debit card what's better? >> i think there are plenty of good reasons to use a deb the card. the chief reason being it doesn't add to your credit card balance and don't have to pay interest. for fraud reasons, a credit card is a little bit safer. you have only a $50 liability, and a lot of credit cards offer even more protection than that a zero liability policy. with debit cards it's a little more complicated. you only get the $50 liability protection if you alert the credit card issuer within two days of the fraud. >> at some point you think despite the dangers the credit card might be safer than paying cash? >> i think that's true because, yes, there are cases in which, if the thing you buy doesn't work, or something like that you have some protection built into your credit card. >> when people think about this potentially happening -- and granted, it doesn't happen to everyone -- what's the worst case scenario? >> the worst case would be if this information is combined with other information about you to c